Simon Jones Bristol Financial Planner

24/02/2023

Are you ready for the end of the 2022 tax year? The deadline for making the most out of your tax allowances is April 5th, 2023, only a few weeks away. With many cuts set to arrive in the 2023 year, maximising your allowances is more important than ever. This article will help you understand what exe...

09/11/2022

Financial advice is generally marketed as a white, middle class, male thing. For decades women have rarely been at the centre of their own finances. So Bristol Financial Adviser, Simon Jones from Unividual, offers a guide to some of the key considerations women and men should be taking when planning...

08/07/2021

What on earth does a financial adviser actually do?
Throughout your life you will come across key milestones that create financial challenges. We help clients overcome these challenges so they can achieve what they want from life. However, the biggest threat we face in helping others progress in life, is that people, through no fault of their own, don't understand the role financial advice plays in building, maintaining and protecting wealth. In 2019 the FCA (Financial Conduct Authority) reported that only 8% of UK adults received financial advice. So in the last few years we started giving more knowledge away for free. Everyone has access to Unividual's free financial planning guides, news articles and videos. It isn't just Unividual on this mission though. Our clients are also passionate about the role financial advice has to play in society and wellbeing. They have shared their financial planning journey case studies so you can understand how affordable financial advice is and the role a financial adviser plays in reducing stress, so together we can improve your financial situation and safeguard you against your biggest financial fears. If you would like to understand what on earth we actually do please over head to unividual.co.uk or give me a call on 0330 353 0150

02/06/2021

Thanks to ‘hyperbolic discounting’, we find saving for the future a difficult concept. The theory is that humans are hard-wired to value £1 in their pocket today over £1 in the future. Commonly people don't think about retirement until they are in their 30s or 40s. There are bills to pay and fun times to be had. But you CAN DO BOTH. Find out how to harness the super power of compound interest and how to take retirement planning in to your own hands by reading our Ultimate Guide To Retirement Planning ***OUT TODAY***

Whether your nearing retirement or just starting out in your career, it’s never too early or late to start retirement planning. YET WE FIND REASONS NOT TO. Find out the psychology behind why we "put off" planning for the future in Unividual's Ultimate Guide to Retirement Planning.

20/05/2021

Five things to consider BEFORE making an investment
1. Current financial situation: sit down and do a full financial review - earnings, debt, savings etc
2. Strengths and weaknesses: a bit of soul-searching about what you want out of life can help you achieve your investment goals.
3. Consider your risk profile: with investments, there is no such thing as a ‘sure-fire’ winner so you’ll need to think about the risk your investments carry and how that risk makes you feel if the value goes up or down.
4. The term of your investment: when might you need access to your money and how long do you want it invested
5. The ethical considerations that are important to you

If you want to read on and find out more head to
https://unividual.co.uk/financial-guides/investment-planning/

Our ultimate guide to investment planning will give you all the information you need to make an informed decision on the most important areas of investment strategy. Covering: savings Vs investment, how to get your planning right, understanding the risks, things to consider before making an investme...

07/05/2021

Everyone is unique and individual so shouldn’t be the same? Find out how we came up with the name Unividual and how we bespoke to each unique person and business we work with

07/04/2021

The New Tax Year is here!
In our latest article we help BUSINESSES and SELF-EMPLOYED people quickly get to grips with WHAT HAS CHANGED for the new tax year and how to best plan throughout the year to become as TAX EFFICIENT as possible.
1. Structuring tax effective earnings
2. How to utilise Pension Tax Relief
3. How to reap the tax benefits from ISAs
4. Using Enterprise Investment Schemes to save additional tax whilst investing back in to the economy
5. A quick fire summary of the key changes for businesses in the new tax year

If you have ANY questions please don't hesitate to get in touch with us, when you are ready.

https://unividual.co.uk/news/business-new-tax-year/

Everything businesses or self-employed people need to know for the new tax year 2021/22, combining changes to tax allowances & key info from the budget.